Protect your motorcycle, on and off the road.

Auto-Owners Insurance offers competitive rates, industry-leading claims service and coverages designed with motorcycle owners in mind. Whether you ride a touring motorcycle, a cruiser or even a moped, Auto-Owners has you covered.

Our program is designed to provide coverage for motorcycles licensed and approved for use on public roads and highways. We also cover motor scooters, motorized bicycles, off-road motorcycles and trail bikes. Your local independent insurance agency can help you choose the coverage that’s right for you.



Covers the cost of repairing or replacing your motorcycle if you’re involved in an accident.


Pays for damages to your motorcycle caused by factors other than collision, such as fire, vandalism, weather, theft, accident with an animal and more.

Bodily Injury Liability and Property Damage Liability

Payment for damages for which you are responsible, such as injury or property damage to others, and legal defense if you are sued.

Uninsured/Underinsured Motorist

This coverage pays in the event of injury, damage or death caused by someone who does not have insurance coverage or does not have adequate liability limits.

Medical Payments

Pays for medical, chiropractic and funeral expenses for injuries to you and your passengers resulting from an accident.

Road Trouble Service

If you’re stranded on the road due to a flat tire, minor mechanical malfunction or a dead battery, we will provide the service you need. Customers with this coverage can call us at 1-888-TOW-AOIC (1-888-869-2642) 24 hours a day, 7 days a week, 365 days a year in all 50 states and Canada.


Additional Expense

When you can’t use your motorcycle due to an accident, the additional expenses can add up fast. This coverage helps pay for a rental motorcycle. And, if you’re stranded away from home, food, lodging and other incidental expenses will be covered.

Safety Riding Apparel

Included in your collision and comprehensive insurance is also coverage for helmets, gloves, boots and any clothing designed to minimize injury in the event of an accident.

Ways to Save

Shopping for insurance also means shopping for discounts. Auto-Owners offers many discounts to ensure you’re protected at an affordable cost.

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Payment History

You may qualify for a discount if you have paid your premiums on time in the past 36 months.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.

Green Discount

When you enroll in paperless billing and pay your policy premiums online, you may qualify for this discount.

Advance Quote

A discount is available for new applicants who request a premium quote prior to the effective date of the policy.

Multi-Vehicle Discount

You may qualify for a discount when a motorcycle and a private passenger vehicle are insured on your Personal Auto policy.

Safety Feature Discounts

You may qualify for this discount if your vehicle is equipped with certain safety features such as Anti-Lock Brake System (ABS) or Anti-Theft Devices.

Touring Bike Discount

With the right type of motorcycle and accessories, you may qualify for this discount.

Motorcycle Safety Foundation Discount

If you’re a Motorcycle Safety Foundation certificate holder, you may receive this discount.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Favorable Loss History

Receive a lower premium for favorable loss history.

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent